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If you cannot adequately perform Activities of Daily Living (ADLs), Long Term Care insurance can provide financial support to help with your medical needs. Activities such as dressing, bathing, or moving around your home are considered to be Activities of Daily Living. Long Term Care can provide additional coverage for degenerative diseases such as Alzheimer’s disease or stroke. The policies also provide support within an assisted living facility, nursing home, or within your home.

Most people would be surprised to learn that Long Term Care expenses are not covered sufficiently by conventional healthcare plans. Medicare and Medicaid can also carry restrictions on how well Long Term Care expenses are covered. If you need care in an assisted living facility or in your home, you may require more or different coverage than what is provided by common medical insurance, Medicare, or Medicaid. Long Term Care Coverage is intended to bridge this gap.

According to the U.S. Department of Health, there is a 40% chance a person will need assisted living by the time they are the age of sixty-five. Additionally, 65% of Americans do not have adequate Long Term Care insurance for their future. Long Term Care costs can exceed $300,000 which can rapidly use all retirement savings. It is a common misconception that Long Term Care insurance is only for the elderly. While the majority of Long Term Coverage policy holders are over 65, any person at any age may need Long Term Care coverage.

As you begin to age, you may want to consider your Long Term Care insurance coverage needs. LowIowaRates.com will put you in touch with the leading insurance experts to discuss your Long Term Care coverage options.

Our customers come from Des Moines, Cedar Rapids, Davenport, Sioux City, Waterloo, Iowa City, Council Bluffs, Dubuque, Ames, and many other cities throughout Iowa to find low cost Long Term Care insurance from top rated insurance companies. Our Iowa insurance agent and broker referral network can help you compare rates from the comfort of your home.